UAE | Health

Health insurance mandatory to enter UAE – Residency department

Companies and tour operators that sponsor visitors should arrange for health insurance

  • By Bassma Al Jandaly, Senior Reporter
  • Published: 21:00 February 16, 2013
  • Gulf News

  • Image Credit: Gulf News Archives
  • The UAE Government has signed an agreement with Noor Takaful Islamic Insurance to issue health insurance policies to visitors. Other policies will be accepted if they meet the criteria.

Dubai: Health insurance is mandatory for visitors to enter UAE, said a senior official from the General Directorate of Residency and Foreigners Affairs (GDRFA),

The rule for mandatory health insurance was implemented almost five years ago by the UAE government. Everyone applying for a visit or tourist visa needs to have health insurance, regardless of the nationality, age or gender. Only nationalities who can avail of visas on arrival are exempt.

Major General Mohammad Ahmad Al Merri, Director General of the GDRFA, told Gulf News that tourists and visitors can receive free treatment in case of emergency as per the visa health insurance rules and regulations.

“A ministerial decision number 322 for the year 2008 makes health insurance mandatory to obtain any type of visit visa to the UAE. The rule came into effect in August in the same year,” he said.

The Department of Tourism and Commerce Marketing in Dubai is in charge of tourists’ health insurance, he said.

Companies and tour operators that bring in visitors should arrange for health insurance policies for their guests.

“The tourist company must follow up any tourist they brought here in case that tourist falls ill and needs to be hospitalised,” said Al Merri.

The GDRFA has signed an agreement with Noor Takaful Islamic Insurance to issue health insurance policies for visitors to Dubai with a minimum coverage of Dh150,000 per person per visit.

“Visit Visa Medical Takaful Plan is the plan approved by the UAE government for the visit visa application. The plan provides the medical coverage as required by the UAE visa regulations for visitors entering the country,” he said.

He said that the Takaful plan covers emergency in-patient medical expenses incurred by visitors while in the UAE, 24 hours a day, for up to a maximum of Dh150,000 and repatriation of mortal remains up to a maximum Dh7,500.

The plan offers facility for direct billing settlement to providers where visitors can access the company’s wide network of healthcare providers without the need to pay first, thus providing convenience for fast medical attention in an emergency.

He said the non-network treatment shall be covered only for treatment of life-threatening cases.

“An external health insurance from any insurance company or travel agency is accepted and will be attested free of charge by the GDRFA,” he said.

He said that health coverage policies issued by other companies will also be accepted provided they meet the same criteria including the minimum limit of Dh150,000 and the types of services offered like emergencies and repatriation of bodies.

He added the insurance company will offer three different types of health policies according to the visit periods.

Prices start from Dh40 for short-term visas valid for 30 days; Dh90 for visas valid for 90 days; and Dh185 for multiple entry visas valid for 180 days.

He explained that these policies will cover accidents and emergencies during the visitor’s stay in the country.

Major General Al Merri added that the health agreement does not cover medical treatment outside the health services providers’ network, except in the case of emergency life-threatening cases.

The policy also does not cover chronic illnesses and it will include treatment of serious complications of already existing chronic illnesses in the emergency room only. It also does not cover pregnancy, delivery and ophthalmology or dental treatment.

Health insurance policies for visitors can be obtained from special counters to be set up at the GDRFA’s headquarters in Bur Dubai, and other branches in Abu Hail, the Jebel Ali Free Zone, Dubai Airport, Dnata office on Shaikh Zayed Road, Umm Suqeim, Jebel Ali and Bin Souqat Centre in Rashidiya.

Comments (19)

  1. Added 16:48 February 17, 2013

    I'v Been here for almost 10 years but my company they didn't provide any health insurance for me as well as to my co worker.

    peter, uae, United Arab Emirates

  2. Added 16:31 February 17, 2013

    another interesting thing is that..it is mandatory for visit visa pupils to have health insurance (definitely sure percentage of them being sick or face accident is very low) while the ones who stay in dubai with higher risk of sickness and accidents as they are here in the long run don't have insurance..how logic is that?

    Maliha, Dubai, United Arab Emirates

  3. Added 15:15 February 17, 2013

    Is this rule applied for expats staying in GCC countries and entering UAE by road? Are they exempted from taking insurance?

    musthafa, riyadh, Saudi Arabia

  4. Added 14:50 February 17, 2013

    i have seen most companies in the uae. don't cover their staffs with health insurance. its a good move to have health insurance for tourist entering the uae. never know when you might require it. its always good to be safe then sorry. regarding when one should have their tourist insurance done, got to be sorted out by the UAE immigration department. bravo UAE bravo.

    karim, dubai, United Arab Emirates

  5. Added 12:40 February 17, 2013

    Health Insurance is good but before anything else the UAE government should make it mandatory to require all company to provide Health and Medical Insurance to all of their employees! First thing First!

    Jillianskie, DUBAI, United Arab Emirates

  6. Added 12:12 February 17, 2013

    Clarification requried whether Insurance needs to be presented on arrival or to be obtained within specific time after arrival. But, people who have already been employed still to get their medical insurance from their employers thos are mainly low paid employees but their wont be enough to consult a doctor two times. This is a great move. All the best.

    Abdul Razak VT, Abu Dhabi, India

  7. Added 11:09 February 17, 2013

    Most of the employers did not give any basic medical insurance or medical facility for their employees...we are requesting to GRDFA to clear this in a first move, then they can implement this for new commers to UAE.

    SHAFIULLAH, DUBAI, India

  8. Added 11:01 February 17, 2013

    Yes Please make it mandatory as employers are getting away with murder in respect of the fact that they bring in dozens of staff each year and I am not referring to labourers but professionals such as Teachers, Nurses on Visitors visas without any medical Insurance. If you ask where youf Insurance is they are quick to remind you that you are on Probation and then without warning or explanation they dismiss you under Section 120 of the Labor Law and they state there is nothing they can do about it. All employees should be issued with a employment visa or documents before they can enter the country. After a period of 3 months many of my colleagues still did not have residency or medical insurance and were to afraid of losing their job to ask where the documents were. It is also illegal for an employer to hold on to your Passport unless they are using it on that day for the Immigration department but they do it all the time.

    Catherine, Brisbane, Australia

  9. Added 10:55 February 17, 2013

    Together with the health insurance, they should also implement Blood test report from the origin issued by approved clinics or boold test must be conducted on arrival for those who do not carry a certificate. This is to protect and avoid spread of any communicable deseases a visitor may be carrying

    SYED J.HUQ, DUBAI, United Arab Emirates

  10. Added 10:45 February 17, 2013

    It would be better to make medical insurance mandatory for all visas including work and residence

    ALEX, DUBAI, United Arab Emirates

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